United Republic Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 31.01 percentage points lower than in Q1 2026, at 267.67%. Within Nebraska, United Republic Bank is 33rd of 138 on loan-to-deposit ratio, 93.06% as of Q2 2026, above the middle of the field. United Republic Bank reported 93.06% on loan-to-deposit ratio for Q2 2026, 12.11 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.1M |
| Net loans and leases | $134.2M |
| Loans held for sale | $0 |
| Loans to total assets | 73.82% |
| Loan-to-deposit ratio | 93.06% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.58% |
| Multifamily (5+ residential) | 4.11% |
| Commercial and industrial | 10.88% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 0.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 267.67% |
| Construction concentration (Tier 1 capital + allowance) | 135.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.32% |
| Interest income on loans | $2.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $150.8M | $154.7M | 44.42% | 10.96% | 0.15% |
| Q4 2023 | $165.0M | $165.1M | 42.62% | 11.72% | 0.18% |
| Q1 2024 | $166.5M | $167.7M | 42.01% | 12.94% | 0.16% |
| Q2 2024 | $167.5M | $169.0M | 42.78% | 13.03% | 0.17% |
| Q3 2024 | $161.0M | $166.7M | 41.43% | 13.99% | 0.18% |
| Q4 2024 | $159.7M | $166.1M | 40.55% | 13.42% | 0.20% |
| Q1 2025 | $156.8M | $171.2M | 40.87% | 12.11% | 0.19% |
| Q2 2025 | $153.6M | $167.7M | 42.37% | 10.33% | 0.19% |
| Q3 2025 | $150.9M | $161.1M | 41.25% | 10.10% | 0.20% |
| Q4 2025 | $149.2M | $156.2M | 43.76% | 9.79% | 0.19% |
| Q1 2026 | $142.1M | $153.6M | 45.44% | 10.23% | 0.20% |
| Q2 2026 | $137.1M | $147.4M | 45.58% | 10.88% | 0.96% |
United Republic Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Republic Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Republic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58359) · FFIEC NIC profile (RSSD 3387140)